| Metric | Adventure Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +4.8% | -5.4 pts |
| Share growth (YoY) | -0.3% | +4.3% | -4.6 pts |
| Loan growth (YoY) | +8.0% | +4.3% | +3.7 pts |
| ROA | 0.13% | 0.62% | -0.5 pts |
| ROE | 1.1% | 5.9% | -4.8 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $642.0M | $562.1M | $448.3M | $73.3M | $206K | 0.13% | 3.89% | 0.61% | 43,275 |
| Q4 2025 | $629.0M | $545.7M | $435.6M | $73.1M | $2.2M | 0.35% | 4.01% | 0.90% | 38,379 |
| Q3 2025 | $627.6M | $542.5M | $425.8M | $72.3M | $1.3M | 0.28% | 4.02% | 0.68% | 43,596 |
| Q2 2025 | $641.5M | $558.1M | $418.8M | $77.0M | $-697K | -0.22% | 3.62% | 0.63% | 43,951 |
| Q1 2025 | $646.4M | $564.0M | $415.0M | $76.8M | $-851K | -0.53% | 3.50% | 0.50% | 44,386 |
| Q4 2024 | $447.7M | $381.8M | $302.5M | $63.6M | $2.0M | 0.44% | 3.48% | 0.82% | 30,660 |
| Q3 2024 | $436.1M | $371.2M | $295.6M | $63.1M | $1.3M | 0.40% | 3.54% | 0.70% | 30,787 |
| Q2 2024 | $443.4M | $377.7M | $293.6M | $62.7M | $868K | 0.39% | 3.49% |
| Ratio | Adventure Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.62% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 5.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.66% |
| 30,998 |
Loan mix (Q1 2026): real estate $210.5M · commercial $71.3M · consumer $158.2M · securities $82.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 78.3% | 86th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Adventure Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Adventure Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Adventure Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Adventure Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.